Terms and Conditions

Agreeing to These Terms

These terms cover your use of the website run by Private Health Insurance Wesley Chapel, a business serving clients in Wesley Chapel, FL and the surrounding area. By reading or using the site, you accept them. If you do not agree, please stop using the site.

General Information, Not Personal Advice

The pages here explain how individual, family, ACA Marketplace, dental, vision and accident coverage generally work. Terms like premium, deductible and open enrollment are described in broad strokes. Nothing on the site is a quote, a recommendation for your situation or a promise that you qualify for any plan or subsidy.

Your actual options depend on details such as your age, income, county, the doctors you use and the dates you apply. Those can only be reviewed in a conversation with us.

Carriers Set the Plan Terms

Insurance companies, not this website, decide plan benefits, premiums, networks, eligibility and approval. The policy documents a carrier issues are the final word on what a plan covers. If anything on our site differs from those documents, the carrier's documents control.

Contacting Us by Phone

The only way to reach us is by calling (813) 680-5409. A call does not enroll you in any plan or obligate you to buy anything. There is no fee for the consultation, because we are paid by the company you choose, not by you. Coverage begins only after you complete an application and the carrier accepts it.

Accuracy and Changes to Content

Plan rules, enrollment windows and carrier offerings change from year to year. We work to keep the site current, but we cannot guarantee every detail is complete or up to date at the moment you read it. We may edit, add or remove content at any time without notice.

Ownership and Limits of Responsibility

The text and design of this site belong to Private Health Insurance Wesley Chapel. You may read and share pages for personal use, but please do not copy them for commercial purposes.

The site is provided as is. To the extent Florida law allows, we are not responsible for losses that come from relying on general website content instead of speaking with us, or from the site being briefly unavailable.

Governing Law and Questions

These terms are governed by the laws of the State of Florida. We may update them from time to time, and the version posted here is the one that applies. If something in these terms is unclear, a short call to (813) 680-5409 is the quickest way to get an answer.